TBK

err
what type of form 9c do i need for withdrawal of 10% down payment
becoz kwsp officer says so many 9c type of form available
i see what i have, very similar like you all
i have here 9c (AHL), correct or not

but have pengkreditan terus
cek jurubank
draf bank asing

cek and draft, something i want to prevent from using
from you guys advice, it took longer to process

i have money in advance
i just want to know how to repaid that money
absolutely neither into developer nor financier

Same lor..but they only gave me Ori S&P and Certified true copy of S&P and Deed of mutual covenants...

---

Added on January 3, 2010, 11:11 pmYes, correct..9c (AHL)..better choose pengkreditan terus..they will direct bank in to your acc.

This post has been edited by gstrapinuse: Jan 3 2010, 11:11 PM

ok

i get it now
can to directly credited
it says pengkreditan terus ke akaun ahli

i miss that. thanks

all loan approve? dunno phase 2 lanuch on Feb will hot sales or not

what do u mean by:::


EPF got tax EXEMPTION ?????

same document they gave me....so jus use all tis will do...

ya i oso wan to knw further regards to tis....tax exemption???mind to explain???

If u buy your 1st house using EPF u r entitle for income tax exemption.You get what i mean?

This post has been edited by gstrapinuse: Jan 4 2010, 08:55 AM

does that mean, the withdrawal will not be taxed?

Yaya...if i am not mistaken, the wholesum of the purchase price will not be tax.

1 more thing, "Untuk pengetahuan anda, setahun selepas anda membuat pengeluaran perumahan yang pertama, anda dibenarkan untuk membuat pengeluaran daripada Akaun II simpanan KWSP anda untuk mengurangkan pinjaman perumahan anda pada setiap tahun."

the validity period for mengurangkan pinjaman perumahan for how many years? is it until repayment complete?

Its refinance but u cannot pay more than 50% of the loan that u borrowed from bank or else u'll kena penalty.

who penalty. kwsp?
i think mengurangkan bayaran itu not for refinancing

i heard from the staff themselve about this
i just want to have somebody second me
thanks

Not KWSP..its ur bank who is gonna penalty u...KWSP will pay directly to the banker.

oooo

thanks for info
i dont have so many in my epf so i dont need to worry

thanks gstrapinuse

and mengurangkan bayaran is also for refinancing & repayment
got it from someone

It's gonna be another fish market if pay 10% and nothing else until completion (3 years) plus 7.5% rebate remain the same.

---

Added on January 4, 2010, 3:04 pmYou can opt for monthly too.

---

Added on January 4, 2010, 3:08 pmUOB have this terms too. I don't think so all bank will penalise if repayment over 50% within 5 years.

The agreement is within the bonding period. (Bonding period = locking period).

This post has been edited by king4891: Jan 4 2010, 03:08 PM

finally my loan was aprrove and going to sign by this week. Hooray

Which bank approved? Mind to share? Tks.

Yaya, which bank??I am waiting for PBB...

hi all just saw the ad that the phase 2 is up... any thought?

need you all sifu's advice as im a noob in property .. i'm buying my 1st house...